ELCO Mutual Life and Annuity Reviews

We appreciate the response concerning our new health insurance plan. These comments will assist us in better educating our staff. Our goal has always been to keep costs down for our staff. Staff pay 5% of their health premium vs officers who pay 15%. The comment about officers receiving $3,000 toward their deductible or that the staff is somehow supplementing the costs of the officer’s premiums is not true. Doctor visit co-pays have gone from $20 on the HMO to $30 on our PPO. I think there is a misunderstanding when it was mentioned that our new plan is from an unknown carrier. Our insurance cards mention the name of the TPA which may not have been explained well enough to our staff, I believe that is what was the unknown company that was mentioned. This plan uses the Aetna network which is considerably larger than our past HMO network. We did eliminate the HMO, so having a deductible is new for people that have not had a PPO in the past. The dramatically larger network of doctors and no longer needing referrals from a PCP are just a couple of the benefits of a PPO plan. Annual physicals have been free ever since the ACA was passed so I don’t understand why someone would feel as though they can’t go to their doctor. I sincerely hope that this employee will talk to the HR Dept. so that we can assist and answer any questions that he/she may have.